PayOCT 2026 / PROGRESS REPORT
Two markets.
One commercial direction.
Ordering, checkout and payment
within Aimer's merchant ecosystem.
93 tracked customer records.
56 with successful payment evidence.
76 New Zealand / 17 Australia
with successful payment evidence
with successful payment evidence
Payment evidence includes small test transactions; these counts do not establish recurring active merchants. Records are deduplicated.
From technical readiness
to more payments through AimerPay.
Tap-to-pay-only capability meant merchants used AimerPay alongside traditional terminals.
02 / Technical updateManagement reports that standard card-payment capability is now enabled. October focuses on migrating more payment activity to AimerPay.
October rollout is scaling. The focus is on activating merchants while maintaining high AimerPay usage.
Penetration = AimerPay all-channel GPV ÷ POS-recorded turnover for the same matched cohort. It is not take rate, profit margin or terminal-only share. NZ rollout and technical resolution are management updates; the historical data do not independently prove causation.
July–September actuals + October forecast
Planning range · penetration uplift + merchant additions.
October is an illustrative planning range, not a confidence interval or a guaranteed minimum. The outlined upper band shows the difference between slower and stronger execution.
NZ: penetration doubling target + 15 merchants.
AU: ongoing rollout + 5 merchants.
21.8%–29.1% full-month average penetration
+ 15 incremental merchant activations
80%–100% of current daily pace after 6 October
+ 5 incremental merchant activations
| Assumption | Slower execution | Stronger execution |
|---|---|---|
| NZ average penetration | 21.8% · half the targeted uplift realised | 29.1% · full doubling realised |
| NZ / AU new merchants | +15 / +5 | +15 / +5 |
| New merchant first-month processing | 50% of benchmark | 100% of benchmark |
| Assumed activation timing | 16 October · 16 calendar days | 16 October · 16 calendar days |
| AU remaining-month daily GPV | 80% of 1–6 October daily average | 100% of 1–6 October daily average |
NZ uses the same 39-store September POS turnover base (NZ$1,743,721), held flat for October. Doubling September's unrounded penetration produces 29.12%; slower execution assumes only half the targeted uplift is realised in the monthly average (21.84%). Neither rate is presented as achieved. New activations are additional to the 6 October snapshot and outside the existing forecast cohorts.
NZ: existing cohort GPV NZ$380,846–507,795 + other existing processing NZ$9,295 + new merchant GPV NZ$32,080–64,160 = NZ$422,222–581,251.
AU: 1–6 October actual GPV A$154,408 + remaining-period GPV A$514,692–643,365 + new merchant GPV A$92,800–185,600 = A$761,899–983,372. Components use unrounded values.
New merchant contribution = additions × daily benchmark × 16 calendar days × 50%–100%. Daily benchmarks are the market medians from 1–6 October: NZ$1,604 ÷ 6 and A$13,919.965 ÷ 6. Cohorts contain 23 NZ and 8 AU matched customers with at least 100 local-currency GPV in the six days. The threshold is a modelling choice, not proof of recurring activity. No additional penetration multiplier is applied to the new merchant benchmark. Delayed activations, lower turnover or slower adoption can result in outcomes below this range.
Six days of volume equal 97.1% of the full September total.
Partial period observation, not a monthly forecast.Processing volume, 1–6 October
September 2026
Share of processing volume.
POS NZ$143,557
Tap to Pay NZ$84,387
eCommerce NZ$31,039
POS A$152,039
Tap to Pay · 4.3% A$6,914
eCommerce A$0
Processing volume × assumed retained take rate.
Illustrative income, not recognised revenue or profit.
Every 100,000 processed generates an illustrative 500–800 in the same currency.
The assumed retained rate is a scenario, not a verified realised rate or the merchant fee. Australian activity is group commercial progress; it is not automatically revenue recognised by the New Zealand grant applicant.
Nuntha Limited
AimerPay agreement
Australian contract example
Selected recent agreements, not the full portfolio. Contract links require authorised DocSend access. Agreement dates do not by themselves establish a new customer or live processing.
01New Zealand: grow penetration
after technical readiness.
02Australia: scale rollout
and sustain merchant usage.
03A retained take rate creates
an incremental income opportunity.
Design assets. Aimer logo sourced from Presentation Assets in Figma ↗. New cafe ordering and PK156 visuals are original assets from Flyer Ideas / Final Design ↗. Brochure product visuals illustrate the experience, not a specific deployment.
Source snapshot. AimerOps handoff dated 9 October 2026, including the progress checklist and payment data through 6 October; OPS dashboard ↗; selected customer agreements linked above.
Processing definition. Adyen Standard + LowATV successful captured statuses (SentForSettle, Captured PC), before refunds. Processing volume is not Aimer revenue. AUD totals include A$12.06 of internal activity across July–6 October.
Comparability. July–September are complete months; October actuals cover days 1–6. The forecast uses a scenario range, not a probability distribution or guaranteed floor. Processing GPV is not Aimer revenue. NZD and AUD are never summed. Whole-market NZ September GPV is NZ$258,983.70, while the matched 39-store penetration cohort is NZ$253,897.59. Use each with its correct denominator. NZ customer-list September totals differ from the dashboard by NZ$90.09 of unmatched activity.
POS & penetration update. AimerOps POS turnover and penetration handoff dated 9 October 2026. POS source coverage: 75 customers (58 NZ / 17 AU), not all eligible for penetration. September matched samples: NZ 39 customers, GPV NZ$253,897.59 / POS NZ$1,743,721.14 = 14.6%; AU 9 customers, GPV A$158,951.48 / POS A$998,267.65 = 15.9%. These denominators differ from whole-market GPV. Matched identity does not establish transaction-by-transaction reconciliation. September ratios above 100% for Kumo Desserts and ChaPanda remain in the source summary and require scope reconciliation.
NZ range calculation. September penetration = NZ$253,897.59 ÷ NZ$1,743,721.14 = 14.560676%. The target is a 100% relative increase (2×), or 29.121353%. The lower scenario captures half that uplift in the October monthly average (21.841014%). The September POS turnover denominator is held flat, with no 31/30 uplift. Cohort October GPV = September cohort GPV × 1.5–2 = NZ$380,846.385–507,795.18. Other existing activity = (NZ$54,599.75 − NZ$52,800.63) ÷ 6 × 31 = NZ$9,295.4533. Fifteen incremental merchants are assumed to start on 16 October at 50%–100% of the daily median: 15 × NZ$1,604 ÷ 6 × 16 × 0.5–1 = NZ$32,080–64,160. Total NZ$422,221.8383–581,250.6333. The matched-cohort forecast replaces its current run rate; it is not added to it. The 29.1% target is distinct from the assumed full-month average; reaching it only at month-end does not imply that average.
AU range calculation. Retain A$154,407.53 of actual GPV for 1–6 October. Remaining 25 days = A$154,407.53 ÷ 6 × 25 × 0.8–1. Five incremental merchants start on 16 October at 50%–100% of the daily median: 5 × A$13,919.965 ÷ 6 × 16 × 0.5–1. Total A$761,899.0633–983,371.7717. The 20% remaining-period reduction and new-merchant ramp factors are analyst sensitivities, not calibrated probabilities. AU near-100% penetration is not multiplied into GPV again.
Scenario boundaries. The additions of 15 NZ and 5 AU merchants are management assumptions, incremental to the 6 October snapshot and outside the existing cohorts. Activation timing and merchant productivity are unverified; figures can fall below or exceed the range. New-merchant daily medians come from nz-final-ranking.json and au-customer-matched-jul-oct.csv in the 9 October handoff. Sample: 23 NZ / 8 AU customers with six-day GPV of at least 100 in local currency. The median limits outlier influence but is not a validated new-customer forecast. No separate new-merchant penetration multiplier. No currency aggregation. Refunds, seasonality, merchant concentration and transaction-scope differences may affect outcomes.
Management operating update. Robin reports NZ rollout and concurrent operation are complete, the initial tap-to-pay-only constraint has been resolved through technical changes, and standard card payments are supported. October priorities are NZ penetration and AU concurrent rollout. AU near-100% usage relates to management's current activated-merchant operating view, not a measured whole-market October ratio; no complete October POS denominator is supplied. AU forecast varies remaining-period processing pace and five new merchants, with no additional penetration uplift. These statements do not certify R&D milestone completion.
Scope. This report describes AimerPay commercial launch progress. It does not certify completion of AutoFront.ai R&D milestones. Income scenarios require reconciliation to provider statements and accounting records before being treated as realised income.